Envelopes like this don’t even make it from the mailbox to the kitchen counter. I am a mail connoisseur. Intuitively, I know it will change things around here and not in a We-Just-Won-Publishers-Clearinghouse way.
Rate and Blood Pressure Increase
My health insurance company is, once again, raising my rates. The past two increases caused a bit of angst and a few expletives, but this one ensues an all-out tirade. Are you f@#$ing kidding me? 50 bucks. You have GOT to be kidding me! They just raised this less than six months ago. Where’s that last statement? This is shit! I’m finding another company. They can go–
A few phone calls and an application to another well-known provider give me hope. It seems they might offer me a policy of comparable value for almost $200 less per month.
Things are a little different now that we’re self-employed. Our daily lives have improved in myriad ways, and there is really nothing to complain about. I take action to move on happily with another insurance company and will, in just a few short days, tell my current company to stick it. They can take advantage of some other sucker, but they’re not going to get me.
Or are they? After sending in my online application, I receive a call. It seems that the new company needs to ask me a few questions about my previous health records. It seems that you applied a few years ago and said….could you further explain…
I’m standing in my medical nightmare of yesteryear as if it were yesterday.
I calmly explain to the woman on the phone, You see. I am extremely healthy. I go to the doctor’s once per year for my physical and only because my doctor makes me. After telling her I will search for my medical records and get back to her with the answers I know she wants but I cannot provide to her satisfaction, I hang up.
I have been there, done that. Deflated, I sit at the kitchen table and let myself feel those sinking feelings of 2008 and 2009 when company after company told me, Sorry. No can do. No coverage for you. It seems that one must be completely healthy to get individual health coverage.
My current company is the one company that would take me, and I have lived the last year and a half without being panic-stricken that one medical mishap will bankrupt us. Now that I think about it, I will happily pay you $50 more a month, Beloved Insurance Company.
Anger from Another Source
Someone poked the bear. CJ, the calmer-than-the-eye-of-the-storm man I married, saw my tears and recalled the years of battles done with physicians’ offices and insurance companies. Instead of throwing himself around and fanning my flames last week, he listened and hugged and waited.
In the meantime, he also opened another suspicious-looking envelope from our cable company announcing a rate increase of $5 per month. Uh oh.
You might get your wish not to have a TV at all, he announces.
An hour later, I am working with a student when I receive a text. As of 3/16, we are TV-less. Dish Network loses. Hoomahs win.
That’s Not All Folks
By the end of the day on Tuesday, less than a week after receiving the envelope, we have made up the difference of our rate increase. The rate hike will not affect us at all.
Our current cell phone plans are canceled, and we have purchased two phones and a no-contract plan to go with them which will allow us to save $35 per month. We have only ever had call and text capabilities, so why pay Corporate Giant more money for the same service?
Dish Network has been canceled. Canceling our TV service allows us to save $15 not to mention the proposed, and subsequently vetoed, $5 increase.
Even I can do that math.
$35 + $20 = $55
Thank You, Sir Jolly
Taking action is addicting. CJ made one phone call, and all hell broke loose. The once-upon-a-time-just-sit-there-and-take-it couple stood up. We want to pay off our debts. Blithely accepting rate increases will not get us there.
It was moderately inconvenient, but well worth addressing. Now we’re up $5. Perhaps we’ll order large coffees today.
Bring on those envelopes, cute mail lady singing along with your iPod. Look who’s singing now!
Where do you fall on the taking action spectrum, Jolly reader? We are always up for a great story!
Jolly Good People, Posts and Ideas
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